Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$212,309Cash toward the purchase price.
Closing costs + prepaids$12,025Not just lender fees.
Before credits & paid funds$224,334The complete starting cash picture.
Estimated remaining funds due at closing
$224,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,309.09
Your down payment$212,309.09
Closing costs + prepaids$12,025.17
Total buyer cash needed$224,334.26
Remaining funds due$224,334.26
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$599.25
Initial HOA (3 months)$255.00
Prepaid interest, first (30 days)$645.92
Fees + prepaids$12,025.17
Your down payment is the seller’s equity. You take over the $217,691 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $224,334.26 is due at closing. Uses and sources reconcile at $442,025.17 each. Not a Closing Disclosure.